American Express® Business Gold Card vs. The Business Platinum Card® from American Express: Which Is Best for You?

Business owners who want to make the most out of their expenses may find either the American Express® Business Gold Card or the Business Platinum Card® from American Express the best option for their credit card needs. MoneyGeek compared the two to help you decide which card is better for you.

Advertising & Editorial DisclosureLast Updated: 11/24/2022
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Last Updated: 11/24/2022

American Express business credit cards allow cardholders to maximize their rewards and take advantage of various benefits and perks. Among the company’s business card lineup are the American Express® Business Gold Card and the Business Platinum Card® from American Express.

MoneyGeek compared the two credit cards on several factors — including rewards programs, annual fees, welcome offers and more — to help you choose which is more suitable for your needs. For instance, the American Express® Business Gold Card’s annual fee is $295, $400 cheaper than the Business Platinum Card® from American Express.

Comparison Overview: American Express® Business Gold Card vs. The Business Platinum Card® from American Express

  • American Express® Business Gold Card
    The Business Platinum Card® from American Express
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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American Express® Business Gold Card At a Glance

The American Express® Business Gold Card is a solid option for high-spending business owners who want great returns on their investment. It has a welcome offer of 70,000 Membership Rewards points after you spend $10,000 on eligible purchases in the first three months of account opening. Additionally, the points you earn can be transferred to Amex’s various hotel and airline partners.


  • American Express® Business Gold Card

    A dynamic rewards card for high-spending business owners


    • Good-ExcellentRecommended Credit
    • $295Annual Fee
    • 1–4 Points per $1Rewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 4xRewards Rate on Gas

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

The Business Platinum Card® from American Express At a Glance

You can get plenty of value from the Business Platinum Card® from American Express if you’re a high-spending business owner who’s also a frequent flyer. The card provides various luxury travel and lifestyle benefits that justify the high annual fee of $695. It also has no foreign transaction fees, making it ideal for international travel.


  • The Business Platinum Card® from American Express

    A good business card for premium travel benefits


    • Good-ExcellentRecommended Credit
    • $595Annual Fee
    • 1–5 Points per $1*Rewards Rate
    • 5xRewards Rate on Air Travel
    • 5xRewards Rate at Hotels

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Comparison Summary

MoneyGeek analyzed the differences between the American Express® Business Gold Card and the Business Platinum Card® from American Express to help you determine the best business credit card for you.

  • Card Detail
    Comparison Summary
  • Travel Coverage

    Both cards offer baggage insurance, trip delay insurance and rental car loss and damage insurance. However, the Business Platinum Card® from American Express also has trip cancellation and interruption insurance (subject to terms and conditions).

    Winner: Business Platinum Card® from American Express

  • Welcome Bonus

    American Express® Business Gold Cardholders can earn 70,000 Membership Rewards points after spending $10,000 on eligible purchases within the first three months of card membership.

    On the other hand, the Business Platinum Card® from American Express offers 120,000 Membership Rewards points after cardholders spend $15,000 in the first three months.

    Winner: Business Platinum Card® from American Express

  • Rewards

    The American Express® Business Gold Card lets you earn 4X points on the two business categories where you spend the most. Categories include airfare purchases directly from airlines and all purchases at U.S. restaurants, gas stations, advertising in select media and select technology providers.

    Meanwhile, the Business Platinum Card® from American Express allows you to earn 5X points on flights and prepaid hotels booked through Amex Travel, as well as 1.5X points on business categories and business purchases of $5,000 or more.

    Winner: Business Platinum Card® from American Express

  • Annual Fee

    The annual fee for the American Express® Business Gold Card is $295 per year. The Business Platinum Card® from American Express annual fee is $695.

    Winner: American Express® Business Gold Card

  • Card Benefits

    Aside from its generous rewards program, Amex also offers other benefits to its cardholders. The American Express Business Gold gives you a 25% airline bonus after booking your flight with American Express Travel using its Pay with Points program.

    On the other hand, the Business Platinum Card® from American Express gives you access to Amex’s Global Lounge Collection. It also offers a 35% airline bonus and an airline fee credit to receive up to $200 per calendar year for baggage fees and other incidentals charged by the airline.

    Winner: Business Platinum Card® from American Express

Which Card Should You Get?

Before choosing between the American Express® Business Gold Card and the Business Platinum Card® from American Express, you should first consider your business needs and spending habits. This information will help determine which card is best for you.

Who Should Consider the American Express® Business Gold Card?

The American Express® Business Gold Card would most benefit business owners who want to maximize their rewards on purchases and enjoy flexibility in redeeming them.

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    Business owners who use online, TV and radio advertising or make purchases from gas stations, restaurants and select technology providers can earn 4X points on their first $150,000 spent in combined purchases from any two business categories each calendar year.

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    International travelers can use the American Express® Business Gold Card to pay for purchases made abroad since the card has no foreign transaction fees.

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Who Should Consider the The Business Platinum Card® from American Express?

Since the Business Platinum Card® from American Express is one of the most expensive business credit cards on the market, it’s best suited for business owners who incur high expenses and frequently travel.

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    Business owners who spend over $5,000 every month can easily earn the card’s welcome offer of 120,000 Membership Rewards points within the first three months.

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    Frequent flyers who want access to airport lounges and hotel upgrades will enjoy the perks of this card.

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EXPERT OPINION

Both of these cards earn outstanding value, and while each of these have significant annual fees, both of them can be justified by taking advantage of each one’s benefits. However, if you’re looking for luxury travel and benefits for high spending, the Amex Platinum is the card to choose.

But regardless of which card you choose, be sure your business can afford the annual fee of either card.

Other Helpful Decision-Making FAQs

Choosing the best business credit card can be challenging. MoneyGeek answered some frequently asked questions to help you further understand the differences between the American Express® Business Gold Card and the Business Platinum Card® from American Express.

Still Not Sure About These Cards? Consider These Options

The American Express® Business Gold Card and the Business Platinum Card® from American Express are attractive options for high-spending small business owners. However, if you want more opportunities to earn rewards, consider a rewards credit card instead.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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